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Earn 8–12% Interest With Notes Secured by Minnesota Real Estate
We fund real estate projects by borrowing from private investors because banks do not move fast enough. In return, we pay 8–12% interest on notes secured by real estate in Minnesota. The investment term is 12 months and can be renewed or liquidated every 12 months.
Preferred Return Tiers
| Investment Amount | Annual Preferred Return |
|---|---|
| $5,000–$49,999 | 8% |
| $50,000–$99,999 | 9% |
| $100,000–$200,000 | 10% |
| $200,000–$500,000 | 11% |
| $500,000+ | 12% |
Your rate is based on the amount you invest, and many investors choose to reinvest distributions to help compound returns over time. Terms renew every 12 months, with options available at each renewal window.
How the Fund Works
- Distributions are paid quarterly, so you receive consistent updates and scheduled payouts.
- Term is 12 months; penalties may apply for early withdrawal.
- Investors can elect to automatically reinvest distributions and renew each term for compounding growth.
- Notes are secured by Minnesota real estate, and projects commonly run in the 6–12 month range.
- We close with formal documentation in place, which may include a promissory note and mortgage.
We identify a property, borrow to purchase it, and close with formal documentation in place. Investors earn returns through fees and interest on the loan, while our team handles acquisition, project execution, and the exit.
Performance Highlights
- 5 years in business (started Jan 2020).
- $515,450.67 in interest earned for investors.
- $198,076.25 in interest payments reinvested.
- 5 years of on-time interest payments.
- Zero loan defaults and zero late payments.
- Over 150 projects successfully funded.
Our focus is simple: protect principal, pay on time, and keep projects moving so investors have a predictable experience from start to finish.
Security and Protection of Principal
Notes are secured by Minnesota real estate, and the program is designed with a focus on protecting principal by avoiding over-leverage, including a guideline of keeping borrowed funds at or below 80% loan-to-value after renovation.
- Typical project duration noted as 6–12 months.
- Loan documentation may include a promissory note, mortgage, hazard insurance, and title insurance.
- Designed for investors who want steady returns tied to real estate-backed notes.
Frequently Asked Questions
Yes! Minnesota Home Guys purchases land as well as houses. Whether it’s a vacant lot, acreage, or a parcel you inherited, we’re happy to take a look and make you an offer. Just submit the property details and we’ll get back to you.
Yes, absolutely. While we’re based in the Twin Cities, we buy houses all across Minnesota. Whether your property is in the suburbs, rural areas, or small towns, we’re interested. Submit your address and we’ll let you know how we can help.
We consider several factors when making an offer, including your home’s condition, recent comparable sales in the area, market trends, and any necessary repairs. Our goal is to provide you with a fair and competitive offer based on real market data.
No! We buy houses in any condition, whether they need minor updates or major repairs. You won’t have to spend a dime on renovations, inspections, or cleaning—we handle everything.
If your home is in foreclosure, we may still be able to buy it and help you avoid a full foreclosure process. The sooner you reach out, the more options we have to help. Contact us today to discuss your situation.
No, you will not be “listed” and waiting for a buyer – we are direct home buyers, not an agent offering to list your home and hope it sells. That means you don’t have to worry about showings, commissions, or waiting for the right buyer. We buy homes with cash, allowing for a fast and hassle-free closing.
Yes! If you’re a landlord with problem tenants or an unwanted rental property, we can make you a fair cash offer. You don’t have to wait for a lease to end—we buy properties with tenants still in place. “Tired landlord” is one of the most common situations we see.
We buy single-family homes, townhomes, duplexes, multi-family properties, and even vacant land. If you’re unsure whether your property qualifies, just reach out to us!
Closing speed is based on your timeline. If you want to close fast, we can do that! If you need time, we can do that too!
Here’s how it works: Once you accept and sign our offer, we order the abstract update and a title opinion. If any title defects are found, we work with you to resolve them. Once the title is cleared, we set a closing date and begin preparing the legal closing documents. Closing date is typically 2-4 weeks from the time the offer is signed, but if you are in a hurry please call (952) 222-7138 and we can expedite the process!
When you choose to sell your property to us, we will cover the abstract update, title opinion, transfer tax, as well as closing costs. You will only be responsible to pay property tax up to the date of sale and any liens.
We guarantee closing on every offer we make. This is easily done because our team gets to know the seller, researches the property, understands current market trends, and has cash ready to close.
Yes! If your home is listed with a real estate agent, you’re still welcome to submit it to us for a cash offer. Keep in mind that if it’s under contract or you have listing obligations, you may need to coordinate with your agent—but we’re happy to work with listed properties.
Nope! One of the benefits of selling to Minnesota Home Guys is that you don’t need to lift a finger. You can leave behind furniture, trash, old appliances—whatever you don’t want to deal with. We’ll take care of everything after closing. Just take what you want and leave the rest.
Our cash offer is guaranteed as long as everything we discussed about your property checks out. The only time the offer would change is if we discover something unexpected during the title process—like a hidden lien, unpaid property taxes, or a contractor bill that wasn’t disclosed. We’re always upfront and transparent, and if something like this does come up, we’ll talk it through with you.
